FHA Loan Limits in Taylor County, Texas (2026)
From Taylor County, FHA buyers in Taylor County can finance a one-unit home up to $541,287 with 3.5% down in 2026. That matches the national FHA floor used across most of the South.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
From Taylor County to the edges of Taylor County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Harris and Dallas Counties.
What can you buy with FHA in Taylor County?
An FHA buyer near Taylor County faces an estimated $360,000 median, a $12,600 down payment, and — after Texas's 1.68% property tax — a monthly cost around $2,956. That suits household income of roughly $114,000, above Texas's $73,035 median household income, so budget carefully.
FHA payment scenarios in Taylor County
Here is what an FHA payment looks like at three Taylor County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $259,000 | $9,065 | $2,160 |
| Local median — $360,000 | $12,600 | $2,956 |
| At the FHA limit — $541,287 | $18,945 | $4,386 |
Estimates include FHA MIP plus Texas property taxes and insurance. Rates move daily near Taylor County too — get notified.
First-time buyers make up much of FHA activity in Taylor County and across Taylor County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $12,600 needed on a median Taylor County home.
Multi-unit FHA limits in Taylor County
Looking at a duplex or fourplex near Taylor County? FHA allows up to $692,997 on two units and $1,041,072 on four in Taylor County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Taylor County for 2026?
- In Taylor County (Taylor County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Taylor County with FHA?
- For a median-priced ($360,000) Taylor County home, plan on income around $114,000 at a 31% housing ratio — about $2,956/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Taylor County?
- 3.5% with a 580+ score — roughly $12,600 on a $360,000 Taylor County-area home. Gift funds are allowed.
- Is Taylor County a high-cost FHA area?
- No — Taylor County uses the $541,287 national floor for one unit.